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Most Helpful
John Bennett, our initial contact, was great: not pushy, came through with what he promised, nice to talk to, etc. once we made the deposit and were put in the care of Cardinal financial, things went South in a hurry. Rather than writing a extensive review, I will give...
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6 comments
Anonymous
#1223784

That sounds like Cardinal. Do stay away from these folks or You may regret it!

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Review
#525351 Review #525351 is a subjective opinion of poster.
Reason of review
Poor customer service
Loss
$2000

Sebonic Financial - No issues at all

5.0
Details
Sitting at the closing table right now....John Ruskin was is our Loan Officer and was on top of everything! Attorney even stated it was the lowest rate that he has seen and couldn’t believe how low the lender fees are....as a former loan officer myself I have to say that John Ruskin went over and above to take care of us. Minor delay with processing and closing department but Mr. Ruskin got it straightened out almost immediately. I highly recommend him and Sebonic!
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Review
#1663962 Review #1663962 is a subjective opinion of poster.
Pros
  • Very professional
  • Easy process
  • Low rate
Reason of review
Good customer service
1.8
Details

Update by user Jun 27

Sebonic did contact me via email. And confirmed by their actions that they could not reply in a timely manner nor understand a simple question.

( Did you receive a hard copy of the appraisal?) I had to ask that repeatedly before she finally got it. After telling them...

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Review
#1544748 Review #1544748 is a subjective opinion of poster.
Cons
  • Responsiveness
  • Could not close the transaction
  • Communication skills
Reason of review
Bad quality
Tags
  • Unprofessional
  • incompetent
1.0
Details
We are extremely well qualified buyers. Purchasing property to move primary residence to then sell current property. Credit above 815, no foreclosures, no bankruptcies, no late payments, 40+year positive history. Own 2 properties with over 75% equity, have 200% needed...
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1 comment
Anonymous
#1753859

So you wanted them to give you a loan without any verifiable income? You need to have an income - assets aren’t income.

Review
#1443989 Review #1443989 is a subjective opinion of poster.
Reason of review
Poor customer service
1.9
Details
Our loan originator was Michael Brown. We were purchasing an investment property (little house, with a triplex on the same parcel). Loan was approved, offer approved, I paid the appraisal fee within 5 days of offer acceptance, paid the EMD, got the inspections,...
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Review
#1310642 Review #1310642 is a subjective opinion of poster.
Cons
  • Unprofessional
  • Lost deal 8 days before closing
  • Being misled
Reason of review
Loan Originator failed to follow through on my loan for investment property purchase, lost deal because of it.
Loss
$975
Preferred solution
Full refund
1.3
Details
we were extremely well qualified buyers with 25% down payment (and several times the mortgage amount, liquid), full docs, 30+ year stable history, passive income, tremendous equity in other real estate, etc. we've both had countless mortgages over the years, fico in...
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1 comment
Anonymous
#1486598

omg, always check reviews because it helps. and thank you to all the consumer who care and let other knows.

Review
#1228099 Review #1228099 is a subjective opinion of poster.
Reason of review
Problems with payment
see above --- I am very leery of all companies like these . His info was invaluable. I am looking for a 300K refinance and had been looking at most of the the lenders who are on line. I have been eliminating them, one by one based on reviews. I realize that there would...
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Review
#1197416 Review #1197416 is a subjective opinion of poster.
Reason of review
Poor customer service
1.4
Details
Nightmare nightmare!!!! RED FLAGS everywhere!!! We worked with a guy named Jason L In the beginning, we are promised that Cardinal Finacial will honor the quote they gave us. LIES!!!! I had to send them screenshots, copies of all their quotes and promises. Once they...
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Review
#1166615 Review #1166615 is a subjective opinion of poster.
Pros
  • Rates
Cons
  • Run around
  • Unfair fees for rate lock extensions
  • Could not close the transaction
Reason of review
contract not honored
Loss
$341300
Preferred solution
Full refund
Tags
  • dishonest
  • disloyal
I had all line up with a credit score over 800. They have there " appraisal" partner purposely value my home well under value. I just had initial appraisal not even 2 months within contacting Sebonic. 1) $500 for appraisal- wasted I argued that the appraiser was wrong,...
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Review
#1117592 Review #1117592 is a subjective opinion of poster.
Cons
  • Being mislead
  • Fees for rate lock extensions
Reason of review
Pricing issue
Loss
$500
Preferred solution
Full refund
Tags
  • sebonic scam

Sebonic Financial - Boiler room mortgage financing

Ive never paid for appraisal up front but they said plenty of income credit score good so need to pay and get it going. Makes no sense until after you are approved for the loan contingent on apprasial. Never pay for appraisal up front . Wait until you have something in writting that you are aproved then pay and get apppraisal.They cant seem to follow or understand tax returns. Its a boiler room numbers game with them . Stay away.
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Review
#1107921 Review #1107921 is a subjective opinion of poster.

Contact Sebonic Financial Customer Service

Mailing Address:
Sebonic Financial
3701 Arco Corporate Drive, Suite 200
Charlotte, North Carolina 28273
United States
Phone:
(855) 561-4944
All Sebonic Financial Contacts
These people are a pack of idiotic buffoons. After making me wait more then 90 days, they sent me an email stating that they were not able to document where the cash deposits on my bank statements came from. Clearly the income was shown on my tax returns that they...
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Review
#996025 Review #996025 is a subjective opinion of poster.
Reason of review
Poor customer service
Loss
$124500
Preferred solution
Full refund